Whether you’re travelling to Sri Lanka or travelling abroad from Sri Lanka, protect yourself and your travel plans with our comprehensive and exhaustive policy designed to ensure that no matter where you’re travelling to, we’ve got you covered! Pack your luggage with the essentials after insuring yourself with the best travel insurance that’s just a click away to explore the world before you. Push your boundaries, whether you’re surfing in Arugam Bay or hiking in the Alps, and rest easy knowing that we’re there for you.
Minimum coverage for a worry-free holiday. Starting from US$5.10
Ideal coverage for those unfortunate, unforeseen circumstances. Starting from US$8.10
Medical coverage for unexpected emergencies along the way. Starting from US$12.
All-round protection for a smooth-sailing holiday. Starting from US$15.
Your cover will include dental expenses, emergency medical expenses & out-patient care and personal accidents.
Get covered from trip cancellations, trip delays and missed connecting flights.
Baggage lost or delayed? We’ll cover you there too.
Cover includes riot & strike and terrorism, loss of passport, personal liability to cover injury to third party and a burglary cover.
Jet setting around the world on your travel adventures? Travelling to a new country brings about plenty of opportunities to try new things, experience a range of activities and more. However, painstakingly there could be a list of mishaps during your travels. So, why not protect yourself from the unexpected loss of baggage due to an accident that could dampen your holiday spirit. Our curated travel insurance is a comprehensive policy that’s valid for travels outside of Sri Lanka.
Pick the Best Plan for You
| Benefit Scheme | Worldwide A (US $) | Worldwide B (US $) |
|---|---|---|
| Accidental Death And Dismemberment Benefit (24 Hrs) | $15,000 | $10,000 |
| Accidental Death And Dismemberment Benefit (Common Carrier) | $5,000 | N/A |
| Accident & Sickness Medical Expense Benefit Deductible |
$100,000 $100 |
$50,000 $100 |
| Sickness Dental Relief Deductible |
$400 $150 |
$300 $150 |
| Baggage delay Benefit Deductible |
$200 6 Hours |
$100 6 Hours |
| Baggage loss benefit – Checked | $1,000 | $500 |
| Repatriation in the case of illness or accident | Included | Included |
| Loss of passport Benefit Deductible |
$250 $30 |
$250 $30 |
| Personal liability Benefit Deductible |
$200,000 $200 |
$100,000 $200 |
| Emergency cash advance | $1,000 | $500 |
| Trip Cancellation | $1,000 | $500 |
| Trip Curtailment | $1,000 | $500 |
| Automatic extension of policy up to 7 days | Available | Available |
The following covers are available for insured persons aged 56 – 71 regardless of plan or option purchased.
| Hospital room, board and hospital miscellaneous | Maximum of $1,500 per day up to 30 days |
| Intensive care unit | Maximum of $3,000 per day up to 7 days |
| Surgical treatment | Maximum $10,000 |
| Anesthetist services | Up to 25% of surgical treatment |
| Physicians visit | Maximum $75 per day up to 10 visits |
| Diagnostic and pre-admission testing | Maximum $500 |
| Ambulance services | Maximum $400 |
Why do I need Travel Insurance?
Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your travels, whether for business or leisure. Travel Insurance protects you from such perils by ensuring that you are not left stranded in any kind of emergency.
Who can apply for Fairfirst Travel Insurance?
If you are a permanent resident in Sri Lanka and are undertaking travel to an overseas destination, you can apply for Fairfirst Travel Insurance.
Who can be insured under Travel policy?
Single Cover
The Policy covers you if you are under 75 years of age.
Family Special Cover
The Policy covers you if you are below 65 and your financially dependent children or grandchildren, who are above six months and under 23 years of age, plus your spouse or any adult Travelling Companion named in the Certificate of Insurance, all of whom must travel with you.
Can I buy travel insurance if I am aged 75+?
Fairfirst Senior Citizen Travel Insurance is available and valid only for travellers aged between 76 years and 85 years at the date of departure. This policy is subject to satisfactory medical certificate.
What are the medical expenses limits available under FF Travel Insurance?
The medical expenses limits are dependent on the type of plan you choose according to your travel destination.
What is the maximum duration under FF Travel Insurance?
Individual Plans – Platinum/Gold/Bronze/Senior Citizen
Up to 180 days
Family Plan
Up to 35 days
Student Plan
Up to 365 days
Annual Multi-trip Plan
Up to 45 days per trip
What are the benefits (covers) available under FF Travel Insurance Policy?
Can I extend my policy while I’m away?
Yes you can, prior to the expiry date of your original Policy, apply for an extension on your original Policy by payment of the required premium.
You will be required to confirm your travel arrangements at the time of obtaining the Policy. We will parallelly review this information and your claims history before we decide on your application for extended cover. Terms and conditions may apply, or we may decide not to offer an extension.
Cover must not exceed a period of 12 months in total from the departure date on your original Certificate of Insurance.
When does the cover begin?
The Insurance cover commences on the day specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the commencement date as per the policy, whichever is later.
Till when is the policy valid?
Insurance Cover shall terminate (i) with the end of Insurance Period i.e. the period for which the premium has been paid or (ii) when the insured person first disembarks on return to Sri Lanka.
Which destination should I choose?
You should select the travel plan designated for your destination. If you have a multiple destination itinerary you should select the travel plan for the destination where you will spend the majority of your Trip overseas. FF Travel Insurance offers territorial limits as follows.
– Worldwide including USA & Canada
– Worldwide excluding USA & Canada
– Asian Countries excluding Japan
What are the excluded destinations?
This policy will not cover any loss, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria.
Will I get a refund if I cancel my policy?
You can get your policy cancelled only if you have not undertaken the journey due an to acceptable reason such as visa refusal & family emergency. As such you should produce your passport as a proof that the journey has not been undertaken. Any such request of cancellation will be entertained up to 14 days after the first date of insurance as indicated in the schedule of the policy. In case of cancellation of your policy, a specified amount will be deducted as administration charges, from the refundable amount.
What adventure activities are not covered?
Hunting, racing other than on foot, playing polo, professional sport, mountaineering or rock climbing using ropes or climbing equipment (other than hiking), pot holing, or travelling in international waters in a private sail vessel or privately registered sail vessel. This list is not exhaustive. Should you have further queries please contact our Call Centre and/or review the policy wording.
What if I have an existing medical condition?
You should declare your medial conditions to us prior to purchasing the Travel Policy. Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
Who do I contact for emergency assistance whilst overseas?
In the case of an emergency from anywhere is the world, call Euro Center on + 6626963667. Euro Center is our International Travel Assistance Service Provider. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with in regards to any claims problems.
What is the documentation required under various sections?
| Type of claim | Documents required | Procedure |
|---|---|---|
| Accidental Death | The beneficiary of the insured should submit the following;
FF Insurance Claims Dept. will advise upon receipt of claim |
In case of a death or dismemberment whilst on a common carrier, all documents pertaining to the loss including correspondence with carrier should be submitted. |
| Accidental Dismemberment | Same as Emergency Accident Sickness Medical Expenses claims | |
| Overseas Emergency Accident & Sickness Medical Expenses (Outside Sri Lanka) |
|
All claims exceeding USD 250 must be notified to Assistance Company and you should obtain a reference number from them.In case of hospitalization, please keep all your medical reports/ bills/ invoices/ receipts safely. Fill in the claim form and send all documents to our Corporate Office. |
| Sickness Dental Relief | Same as Emergency Accident Sickness Medical Expenses claims | For accidental injuries to sound natural teeth only – Fill in the claim form and send all documents to our Corporate Office |
| In-Hospital Indemnity Benefit | Same as Emergency Accident Sickness Medical Expenses claims | Keep the original administration and discharge card |
| Delay of Baggage |
|
Obtain confirmation of the delay from the airlineKeep a record of hours of delay from the scheduled time Keep receipts of all additional expenses incurred due to the delay Fill in the Claim Form and send all documents to our Corporate Office |
| Common Carrier Baggage Loss |
|
Intimate the airline / common carrier about your loss and lodge complaints. All records pertaining to your complaint and their response should be submitted. Keep a track of your checked-in and delivered luggage weight. Fill in the Claim Form and send all documents to our Corporate Office |
| Trip Cancellation |
|
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| Trip Curtailment |
|
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| Hijacking |
|
Fill in the Claim Form and send all documents to our Corporate Office |
| Loss of Passport |
|
File a complaint with the local police.Contact the Sri Lankan embassy/ consulate wherever possible. Submit all documents to our corporate office at the address given below, along with a detailed statement. |
| Personal Liability | Full statement of the facts in writing Witness statements
|
Contact Euro Center immediately.Do not commit any benefit/ compensation or enter into any agreements. Submit all documents along with a detailed statement. |
| Trip Delay |
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Please obtain a written clarification from the airline/ common carrier regarding the delay and the cause of delay.Keep a record of hours of delay from the scheduled time.
Fill in the claim form and send all documents to our Corporate Office at the address given below. |
| Home Away Protection |
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Please request a trusted relative to rush to your residence as soon as you come to know the incident.Please obtain a Policy Report Fill in the claim form and send all documents to our Corporate Office at the address given below. |
This is a brief of this insurance cover. For exclusions, conditions & more details please call us on 0112 428 428 or refer the policy document.
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